@ebenann wrote:
What about the other way round. Searching for an answer in the forum; Can my wife be covered secondarily under my HDHP and have her own individual non-HDHP? If yes, what are my contribution limits to my HSA?
If I understand your question, the answer is yes.
Your eligibility to contribute is determined by your insurance coverage. If you are enrolled in a family HDHP, and you have no other medical coverage, then your contribution limit for 2023 is $7750. It doesn't matter how many other people are covered under your plan (spouse, dependents) or what their other medical coverage is. It's ok if your spouse has medical coverage from their job and has your plan listed as secondary coverage, as long as your spouse's plan does not provide any (reciprocal) coverage to you.
Be aware that this includes FSAs. If your spouse has a medical FSA, that counts as other coverage for you, because even if your spouse has single coverage and their insurance does not cover you, an FSA by law always covers the owner, their spouse, and any dependents.
